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New Contributor
Posts: 84
Registered: ‎09-28-2007
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CRA and how they report

I heard the EX, TU, EQ only report 1 time a month. Is this true?  I need 9 points and i need it within 14 days.  I am adding 2 account that have been in good standing since 2002.  The longest account on my record is 12 yrs ago and it was a car loan.  I also did the OPT OUT thing and i was also told i get a few points from doing that as well.  My utilization is about 1% on credit cards.  student loan 10,000 and mortgage 104000.  Anyone have any suggestestions for these little 9 points?
 
Thanks in advance
Valued Contributor
Posts: 2,385
Registered: ‎09-10-2007
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Re: CRA and how they report

I honestly don't think opting-out effects your score one way or the other...
 
The TLs usually only report 1 per month... so if any TLs are reporting highe r thanyou actually owe right now and if they report with the next 14 days you may get your points.  Otherwise - only time might help.
Now a member of the UNOFFICIAL 700 Club - Plus scores of 734-734-747
New Contributor
Posts: 84
Registered: ‎09-28-2007
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Re: CRA and how they report

[ Edited ]
What about the adding of 2 cards (authorized user) to my accounts.  Good standings.
 
Only amount wrong  is my car payment - paid regular payment.  student loan - paid regular payment
 
 


Message Edited by Someday on 03-08-2008 01:17 PM

Message Edited by Someday on 03-08-2008 01:18 PM
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Valued Contributor
Posts: 2,385
Registered: ‎09-10-2007
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Re: CRA and how they report

If those show with the 14 days (ask the owner when the statement cuts) if any 'delay' reporting (like AmEx) then probably won't appear for 30-60 days.
Now a member of the UNOFFICIAL 700 Club - Plus scores of 734-734-747

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